Man my heart bleeds for you. Nothing pays anything now a days and I feel that the US Govt. FED and other insiders fixed it that way so that the US GOV could borrow all these trillions and get it essentially interest free. So to you and me that is a behind the scenes tax that they are forcing us to pay but nobody talks about that.....shhhhhhh!
So you go to an investment counselor, that is where I started when I was young and naieve, and my personal experience with all of them, name brands and all is bad.
Read my lips: NO ONE CARES MORE ABOUT YOUR MONEY THAN YOU DO!!!!!!!! AND IF YOU DON'T BE CAREFUL, THEY WILL USE YOUR MONEY TO MAKE THEMSELVES RICH......CALLED HUMAN NATURE.
Moving company to company can present challenges. I didn't have that problem. I stayed with the same company for the duration and had my 401k and after the kids got grown and all, the company did a full match $ for $ what I put into it, up to 4% of earnings (total 8% of the gross) and believe me that can add up fast.
Problem with putting money aside when you are young is to put it where you can't get to it if you have financial problems....yeah verily it's nice to have to pull yourself out of a rut, but you just spent your retirement.
Brokerage/fund fees can eat you up so pay attention to what you are having to pay.
And on the stock market outpacing everything else.....wala. 2011 is a good example....after 3 years of bust, your stock market money finished where it started......but you still had to pay the fees so you lost money.
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Today's Featured Article - History of the Nuffield Tractor - by Anthony West. The Nuffield tractor story started in early 1945. The British government still reeling from the effects of the war on the economy, approached the Nuffield organization to see if they would design and build an "ALL NEW" British built wheeled tractor, suitable for both British and world farming.
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